The money in the personal account of medical insurance will not disappear, and the money in the medical insurance card will not be cleared at the end of the year. If you don't use the money in the medical insurance card in that year, you can accumulate the money in the medical insurance card in the second year to pay the medical expenses that meet the requirements. According to the law, medical insurance for employees is charged at 8% of individual salary, of which 2% is paid by individuals and 6% by units. The balance of these accounts in the medical insurance card can be used, such as registering in designated medical institutions and buying medicines. And you can directly swipe the medical insurance card.

The money in medical insurance is divided into two parts, one is the overall fund part, and the other is the personal account part. Part of the personal account is our medical insurance card, which can be taken out to buy medicine or outpatient service.

When we say that the money in medical insurance will be gone in less than one year, we mean the money in the overall fund. It updates the quota every year. If the annual limit is 6.5438+10,000 yuan, and your annual limit of 6.5438+10,000 yuan has been completely reimbursed, there is no way to reimburse it, so you can only wait until the second year. However, the money in our personal account is accumulated. If you don't use it this year, it will be accumulated to the next year. The accumulated total will always be in our account and will not be lost because we have not used it for one year.

So to sum up, the money in the medical insurance card will never be automatically cleared after the end of the year Although the account balance in the medical insurance card can usually be used for medicine purchase, registration or physical examination, there are strict conditions and operating procedures for using medical insurance reimbursement.

legal ground

Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers

Twenty-eighth personal accounts are used to pay medical expenses beyond the scope of the overall fund; If the personal account is insufficient to pay, it shall be borne by me.

Thirtieth medical expenses below Qifubiaozhun and above the maximum payment limit shall not be paid by the overall fund.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 24 The state establishes and improves the new rural cooperative medical system.

Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25 The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.